Beginning of Essay
Thank you for choosing Risk Averse Consulting Company to advise you in your financial investment strategy. To summarize, you have indicated that you have $10,000 per year that is available for investment and you plan on retiring in 20 years. You have indicated ....

Middle of Essay
.... when stock returns dropped below T-bills. Periods of high inflation in the 70’s are the primary drivers of the stock ROR decline. T-bills have historically had a much lower 2.5% maximum ROR that has not been prevalent until the past few years. Bonds have consistently had negative ROR’s until recently when the trend seems to be following stocks. Analysis of 3 and 10-year investment time frames emphasize the importance of the period that the investment is made over. Three and ten year investments yielded a large difference for stocks and very similar results for both bonds and T-bills. Modern statistical analysis shows us that there is st ....